If you are suffering from any of these debt problems there are a number of options available to you and you need to take advice FROM THE FREE DEBT ADVICE SECTOR on the following:

the debt arrangement scheme (which freezes interest and gives you time to pay your debts in full)

a protected trust deed (which writes off debt, but needs your creditors not to object)

sequestration - another name for bankruptcy in Scotland (which is available to everyone).

At the moment, Scottish Debt Advice is too busy with corporate insolvency and other work to give the attention we would like to provide advice to individuals on personal debt. We recommend you check with your local authority, which should be able to refer you to a money advisor, or go to your local Citizens Advice Bureau - which you can find here

Free Advice

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How was your Christmas? We hope Santa was good to you! After
you had your fill of presents and TV, had eaten your fill of
turkey, and watched the Queen’s Speech, what else could
you have done on Christmas Day but file your tax return?